The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$45,554
−HK$2,856/mo
▼ 0.25% · 3.875%
HK$46,971
−HK$1,439/mo
Today · 4.125%
HK$48,410
baseline
▲ 0.50% · 4.625%
HK$51,356
+HK$2,946/mo
Deposit HK$9.99M · loan HK$9.99M · min. income ≈ HK$96,820/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$749,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,678
−HK$2,738/mo
▼ 0.25% · 3.875%
HK$52,037
−HK$1,379/mo
Today · 4.125%
HK$53,416
baseline
▲ 0.50% · 4.625%
HK$56,232
+HK$2,816/mo
Deposit HK$9.99M · loan HK$9.99M · min. income ≈ HK$106,832/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$749,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,665
−HK$3,427/mo
▼ 0.25% · 3.875%
HK$56,365
−HK$1,727/mo
Today · 4.125%
HK$58,092
baseline
▲ 0.50% · 4.625%
HK$61,627
+HK$3,535/mo
Deposit HK$7.99M · loan HK$11.99M · min. income ≈ HK$116,184/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$749,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,814
−HK$3,285/mo
▼ 0.25% · 3.875%
HK$62,445
−HK$1,654/mo
Today · 4.125%
HK$64,099
baseline
▲ 0.50% · 4.625%
HK$67,478
+HK$3,379/mo
Deposit HK$7.99M · loan HK$11.99M · min. income ≈ HK$128,198/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$749,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,775
−HK$4,000/mo
▼ 0.25% · 3.875%
HK$65,759
−HK$2,016/mo
Today · 4.125%
HK$67,775
baseline
▲ 0.50% · 4.625%
HK$71,898
+HK$4,123/mo
Deposit HK$5.99M · loan HK$13.98M · min. income ≈ HK$135,550/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$749,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,949
−HK$3,834/mo
▼ 0.25% · 3.875%
HK$72,852
−HK$1,931/mo
Today · 4.125%
HK$74,783
baseline
▲ 0.50% · 4.625%
HK$78,724
+HK$3,941/mo
Deposit HK$5.99M · loan HK$13.98M · min. income ≈ HK$149,566/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$749,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,997
−HK$5,142/mo
▼ 0.25% · 3.875%
HK$84,547
−HK$2,592/mo
Today · 4.125%
HK$87,139
baseline
▲ 0.50% · 4.625%
HK$92,441
+HK$5,302/mo
Deposit HK$2.00M · loan HK$17.98M · min. income ≈ HK$174,278/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$749,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,221
−HK$4,928/mo
▼ 0.25% · 3.875%
HK$93,667
−HK$2,482/mo
Today · 4.125%
HK$96,149
baseline
▲ 0.50% · 4.625%
HK$101,217
+HK$5,068/mo
Deposit HK$2.00M · loan HK$17.98M · min. income ≈ HK$192,298/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$749,156 · Scale 2, in force from 26 Feb 2026)